• A man who owes a little can clear it off in a very little time, and, if he is a prudent man, will; whereas a man, who by long negligence, owes a great deal, despairs of ever being able to pay, and therefore never looks into his accounts at all.

    Lord Philip Dormer Stanhope Chesterfield, Eugenia Stanhope (1827). “Letters Written by the Earl of Chesterfield to His Son”, p.203